The problem with this is that responsible gun owners are not the problem. I have a lot more than he states in liability insurance, but I have never shot anyone and if I ever do, they are not going to be a "victim" of gunfire -- they would be a perpetrator of a crime who was shot in self-defense.
It would be ridiculous to force me, or my insurance, to pay the costs for a criminal.
agreed, these folks are non sensical.